Financials
- Fiscal year
- 2024
- Total assets
- €556,593
- Loss
- -€89,479
- Solvency
- -24.0%
Total assets▼ 11.4%
Net result
20182024
ZOWIE
ActiveSummary
The computed 12-month bankruptcy probability of ZOWIE is 11.0% (high). The 2024 annual accounts show negative equity (-€133,798) and a net result of -€89,479. Equity is shrinking by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 15% of 15,868 sector peers (NACE 46, fiscal year 2024). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Wholesale of household textiles and bedding
NACE 46412Retail sale of clothing and accessories for women, men, children and babies (general range) NACE 47716
2 sites
Size
€556,593total assets 2024
- Staff
- 2.8 FTE
- Equity
- -€133,798
- Loss
- -€89,479
Turnover not published (abridged schema)
Structure
Accounts 68 days overdue1 of 2 deeds read
Why 28- 1 financial year not filed after the legal deadline; latest accounts 244 days late; 3 of the last 3 late- 1 change of registered office in 24 months- Loss of €89,479, the second in a row (FY 2024)+ Founded in 1999Show the evidence
Checked score
Score 2024
28
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 10% of its sector peers (NACE 46, micro)
Financial strength · tick = 2023
Weak
Solvency
1-9
equity -24.0% of total assets
Liquidity
7-2
short-term debt 98.7% · cash 5.7%
Profitability
0-8
return on assets -16.1%
Bankruptcy probability, 12 months
11.0%
High
0%0.5%1.5%4%10%≥ 25%
About 1 in 9 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 8.8%
12-2024: 8.8%● unchanged vs 11-2024
01-2025: 8.8%● unchanged vs 12-2024
02-2025: 8.8%● unchanged vs 01-2025
03-2025: 8.8%● unchanged vs 02-2025
04-2025: 8.8%● unchanged vs 03-2025
05-2025: 8.9%▲ +0.1 percentage points vs 04-2025
06-2025: 8.9%● unchanged vs 05-2025
07-2025: 8.9%● unchanged vs 06-2025
08-2025: 8.3%▼ -0.6 percentage points vs 07-2025lowest value
09-2025: 8.3%● unchanged vs 08-2025lowest value
10-2025: 8.3%● unchanged vs 09-2025lowest value
11-2025: 8.3%● unchanged vs 10-2025lowest value
12-2025: 8.3%● unchanged vs 11-2025lowest value
01-2026: 12.2%▲ +3.9 percentage points vs 12-2025highest value
02-2026: 12.2%● unchanged vs 01-2026highest value
03-2026: 12.2%● unchanged vs 02-2026highest value
04-2026: 12.2%● unchanged vs 03-2026highest value
05-2026: 9.9%▼ -2.3 percentage points vs 04-2026
06-2026: 9.4%▼ -0.5 percentage points vs 05-2026
07-2026: 9.3%▼ -0.1 percentage points vs 06-2026
08-2026: 9.4%▲ +0.1 percentage points vs 07-2026
09-2026: 9.4%● unchanged vs 08-2026
10-2026: 11.0%▲ +1.6 percentage points vs 09-2026
No credit on open account
Liquidity short (current ratio 0.74 against 0.82 in 2023; short-term debt: 98.7% and cash: 5.7% of total assets), and equity is negative.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro): better than 12% on solvency, 9% on liquidity, 6% on profitability and 12% on growth.
The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Six signals.
−lowers risk+raises risk
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
181921222324
2018 to 2024 · latest year -€133,798
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-04-2026, 244 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
244 days late
2023
609 days late
2022
975 days late
2021
92 days late
2019
101 days late
2018
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 342 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
- Annual accounts filedfiscal year 2022 · micro…
Key points
- Risk: Negative equityfiscal year 2024: debts exceed assets -€133,798 View
- Risk: 6 loss-making years in a rowloss fiscal year 2024 -€89,479 View
- Caution: Among the weakest 5% on net resultsector median €4,834 · 15,847 companies -€89,479 View
- Caution: Accounts not fileddeadline was 31-07-2026 68 days late View
- A director leftlatest change 08-12-2025 · 0 in office 1 left View
By topic
Timeline
- Events
- 12
- Since
- 2015
- 08-12-2025Resignation: Keukelier Ingrid (manager)
- 31-12-2024Weakest financial year
- 31-10-2022Annual accounts filed
Company details
- Sites
- 2
- Legal form
- Private limited company
- Activity
- Wholesale of household textiles and beddingNACE 46412
- Founded
- 14-04-1999
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 18
- Who signs
- Each director alone
- Purpose
- De import en export. groot- en kleinhandel, de consulting inzake prêt-à-porter…
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